Midland, TX · Charter 9140
Q4 2005
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.16% | -0.09% | -0.15% | -0.14% | -0.65% | -49 bps | |
| Return on Equity | -1.14% | -0.66% | -1.04% | -0.97% | -4.63% | -348 bps | |
| Net Interest Margin | 3.85% | 3.64% | 3.83% | 3.84% | 3.86% | +1 bps | |
| Efficiency Ratio | 90.44% | 98.95% | 101.88% | 102.21% | 109.87% | +1,943 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.38% | -6.39% | -11.78% | -6.92% | -6.33% | +6 bps | |
| Loan Growth (YoY) | -6.19% | -5.78% | -4.23% | 3.56% | 0.06% | +625 bps | |
| Share Growth (YoY) | -7.00% | -8.94% | -13.37% | -7.72% | -5.86% | +113 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.38% | 0.77% | 0.74% | 1.27% | 1.52% | +14 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.81% | 0.86% | 0.84% | 0.66% | 1.07% | +25 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.69% | 13.91% | 14.52% | 14.57% | 13.97% | +28 bps | |
| Net Worth / Assets | 13.69% | 13.91% | 14.52% | 14.57% | 13.97% | +28 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.72% | 53.34% | 55.29% | 58.42% | 56.04% | +332 bps | |
| Liquid Assets / Assets | 37.76% | 38.67% | 38.41% | 35.94% | 41.93% | +416 bps | |